American Bank and Trust Company, National Association
Davenport, IA · Cert 34955 · Peer group: banks under $1B in assets (n=581-629) · Ambank Holdings Inc.
National charter · OCC · 6 branches
Q2 2026
$480.9MAssets
$331.5MLoans
$387.8MDeposits
$40.3MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 57% of banks under $1B in assets (rank 269 of 629).
- Widest gap: equity / assets trails 85% of banks under $1B in assets (rank 534 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.77%
Rank 426 of 629
Net Interest Margin
2.95%
Rank 488 of 629
Efficiency Ratio
78.51%
Rank 466 of 629
Equity / Assets
8.38%
Rank 534 of 629
Non-interest income vs. expense
Unfavorable gap of $9.9M · efficiency ratio beats 26% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.77% | 0.60% | 1.01% | 1.45% | Beats 32% | 426 / 629 | |
| Return on Equity | 9.16% | 5.38% | 9.30% | 13.28% | Beats 48% | 326 / 629 | |
| Net Interest Margin | 2.95% | 3.03% | 3.54% | 4.05% | Beats 22% | 488 / 629 | |
| Efficiency Ratio | 78.51% | 58.35% | 67.79% | 79.08% | Beats 26% | 466 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.09% | 0.46% | 1.20% | Beats 34% | 385 / 581 | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 18% | 476 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.18% | 11.24% | 13.84% | 18.77% | Beats 53% | 296 / 629 | |
| Total Risk-Based Capital Ratio | 15.43% | 11.58% | 14.43% | 19.66% | Beats 57% | 269 / 629 | |
| Equity / Assets | 8.38% | 9.09% | 10.65% | 13.80% | Beats 15% | 534 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 85.49% | 67.24% | 80.90% | 93.48% | 59th pctl | 244 / 594 | |
| Loans / Assets | 68.94% | 53.31% | 67.71% | 78.15% | 53rd pctl | 297 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |